India CTC to In-Hand Salary Calculator
Convert your CTC to monthly in-hand salary with detailed PF, gratuity, variable pay, professional tax, HRA, and income tax breakdown.
Tax year 2026 - Updated June 2026
Salary Inputs
Start quick, then open detailed assumptions if your offer letter has PF, gratuity, or variable-pay details.
INR
INR
Used for HRA exemption in old regime.
Monthly In-Hand
₹94,036
Annual In-Hand
₹11,28,426
| Deduction | Annual | Monthly |
|---|---|---|
| Employee PF | ₹21,600 | ₹1,800 |
| Professional Tax | ₹2,400 | ₹200 |
| Income Tax | ₹0 | ₹0 |
CTC Breakdown
| Basic salary (annual) | ₹5,40,000 |
| HRA (annual) | ₹2,16,000 |
| Special allowance (balancing, annual) | ₹3,96,426 |
| Variable pay in CTC | ₹0 |
| Variable pay counted as paid | ₹0 |
| Employer PF contribution (annual) | ₹21,600 |
| Gratuity (annual, not in monthly pay) | ₹25,974 |
| Total CTC | ₹12,00,000 |
Taxable Income
| Gross salary (annual) | ₹11,52,426 |
| Less: standard deduction (new regime) | -₹75,000 |
| Less: HRA exemption | -₹0 |
| Less: old-regime deductions | -₹0 |
| Taxable income | ₹10,77,426 |
| Slab tax before rebate | ₹47,743 |
| Less: Section 87A rebate | -₹47,743 |
| Tax after rebate | ₹0 |
| Add: 4% cess | ₹0 |
| Final income tax | ₹0 |
In-Hand Summary
| Gross salary (annual) | ₹11,52,426 |
| Less: employee PF | -₹21,600 |
| Less: professional tax | -₹2,400 |
| Less: other payroll deductions | -₹0 |
| Less: income tax (incl. 4% cess) | -₹0 |
| Net annual in-hand | ₹11,28,426 |
| Net monthly in-hand | ₹94,036 |
New vs Old Tax Regime
new Regime
Recommended₹94,036/mo
₹11,28,426/year in-hand
Tax: ₹0
old Regime
₹85,069/mo
₹10,20,822/year in-hand
Tax: ₹1,07,604
You save ₹1,07,604 in income tax with the new regime.
Payslip Details
These details are used only in the downloaded payslip PDF.
Formula used
- CTC = Basic + HRA + Special Allowance + Variable Pay + Employer PF + Gratuity.
- Gross salary = CTC - Employer PF - Gratuity - unpaid variable pay.
- Taxable income = Gross salary - standard deduction - HRA exemption in old regime - eligible old-regime deductions.
- Income tax = slab tax - Section 87A rebate + 4% cess on tax after rebate.
- Monthly in-hand = (Gross salary - Employee PF - Professional Tax - Income Tax - other payroll deductions) / 12.
Quick answers
India CTC to In-Hand Salary Calculator FAQs
How is in-hand salary calculated from CTC in India?
In-hand salary is estimated by removing employer-side CTC components such as employer PF and gratuity, then subtracting employee PF, professional tax, income tax, and other deductions from gross salary.
Does the India CTC calculator compare old and new tax regime?
Yes. The calculator can show old and new regime estimates using the inputs shown on the page. Old-regime benefits such as HRA exemption and deductions apply only when entered.
Why is my monthly salary lower than CTC divided by 12?
CTC may include employer PF, gratuity, variable pay, insurance, reimbursements, and benefits that are not paid as fixed monthly take-home salary.
Is standard deduction included in the salary tax estimate?
Yes, the salary tax estimate uses the standard deduction where applicable for salary income. The result is still an estimate and may differ from payroll or your final tax filing.
Can I change PF deduction in the calculator?
Yes. You can compare capped PF, full 12% of basic salary, or a custom PF amount depending on your employer policy.
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Assumptions
- Default detailed structure uses 45% basic salary and HRA at 40% of basic salary.
- PF defaults to the capped estimate unless you choose full 12% of basic or enter a custom amount.
- Gratuity is included by default and auto-estimated at 4.81% of basic unless changed.
- Variable pay is part of CTC, but only the selected payout percentage is counted in in-hand salary.
- Professional tax is estimated from the selected state.
- Old regime HRA and deduction benefits apply only when shown in the calculator inputs.
Disclaimer
The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.